1,1752'8&7,211. INTRODUCTION:HOFRPH&RQJUDWXODWLRQV RQ WKH SXUFKDVH RI \RXU%DLOH\ FDUDYDQ :H ZRXOG OLNH WR ZHOFRPH\RX LQWR WKH UDQNV RI %DLOH\ RZQHUV :H DUHFRQoGHQWWKDWWKLVYHKLFOHZLOOJLYH\RXPDQ\\HDUVRIHQMR\PHQW7KLV KDQGERRN KDV EHHQ GHVLJQHG WR HQDEOH\RX WR GHULYH WKH PD[LPXP EHQHoWV DQGSOHDVXUH IURP \RXU FDUDYDQ ,WV LQIRUPDWLRQDQGKLQWVZLOOEHEHQHoFLDODQGKHOSWRSURWHFW\RXU LQYHVWPHQW ZKHWKHU \RX DUH D QHZ RUH[SHULHQFHGFDUDYDQRZQHU3OHDVHEHDZDUHWKDWFHUWDLQVHFWLRQVDUHRQO\DSSOLFDEOHWRVRPHPRGHOV,QIRUPDWLRQ OHDpHWV DQG OLWHUDWXUH RQ VDIHRSHUDWLRQRI DSSOLDQFHV DQG HTXLSPHQW oWWHGWR \RXU FDUDYDQ DUH LQFOXGHG LQ WKH %DLOH\LQIRUPDWLRQSDFN3OHDVHUHDGWKHVHFDUHIXOO\SULRUWRXVH)DLOXUH WR REVHUYH UHFRPPHQGDWLRQV RUSUHFDXWLRQVFRXOGUHVXOWLQLQFRUUHFWRSHUDWLRQRI HTXLSPHQW ZKLFK FRXOG LQ WXUQ OHDG WRVXEVHTXHQWULVNWRRFFXSDQWV5HJXODU PDLQWHQDQFH LV QHFHVVDU\ WR HQVXUHWURXEOHIUHHVHUYLFHIURP\RXUFDUDYDQ%DLOH\ UHWDLOHU LV HTXLSSHG WR RIIHU VHUYLFHIDFLOLWLHVUHSDLUZRUNDQGDQ\VSDUHSDUWVWKDW\RXPD\UHTXLUH$OZD\VFRQVXOW\RXUVXSSO\LQJUHWDLOHUEHIRUHDGGLWLRQDO HTXLSPHQW LV oWWHG WR HQVXUH WKHORFDWLRQRIDSSURSULDWHVWUXFWXUDOVXSSRUW5HWDLOHUV DUH QRW DJHQWV RI %DLOH\ DQG KDYHDEVROXWHO\ QR DXWKRULW\ WR ELQG %DLOH\ E\DQ\ H[SUHVV RU LPSOLHG XQGHUWDNLQJ RUUHSUHVHQWDWLRQ+DSS\7RXULQJi1RWH7R HQDEOH %DLOH\ DQG RXU UHWDLOHU SDUWQHUVWR GHDO ZLWK \RXU TXHULHV HIoFLHQWO\ DOZD\VTXRWH \RXU FDUDYDQ V YHKLFOH LGHQWLoFDWLRQQXPEHU 9,1 ZKLFK FDQ EH IRXQG RQ WKHRIIVLGHFKDVVLVPHPEHUDQGLVHWFKHGRQWRDOOPDMRUZLQGRZV,W LV WKH %DLOH\ SROLF\ WR FRQVWDQWO\ LPSURYHWKHLU YHKLFOHV VR ZKLOH DOO LOOXVWUDWLRQV DQGGHVFULSWLYH PDWWHU LQ WKLV KDQGERRN DUHLQWHQGHGWRJLYHDJHQHUDOLGHDRIWKHFDUDYDQDQGDUHFRUUHFWDWWKHWLPHRIJRLQJWRSUHVVFKDQJLQJ PDUNHW DQG VXSSO\ VLWXDWLRQVPD\ SUHYHQW XV IURP PDLQWDLQLQJ WKH H[DFWVSHFLoFDWLRQGHWDLOVRIWKLVKDQGERRN%DLOH\WKHUHIRUH UHVHUYH WKH ULJKW WR DOWHU WKHVSHFLoFDWLRQDWDQ\WLPHZLWKRXWSULRUQRWLFH%DLOH\ RIIHU D YDULHW\ RI FXVWRPHU XVHV DQGZKLOH HDFK YHKLFOH LV GHVLJQHG WR IHDWXUH WKHRSWLPXP VWRUDJH VHDWLQJ VOHHSLQJ DQG pXLGFDSDFLWLHV LW LV WKH FXVWRPHU V UHVSRQVLELOLW\WRVHOHFWWKHFRUUHFWORDGVZLWKRXWH[FHHGLQJWKHZHLJKWFDSDELOLWLHVRI\RXUFKRVHQWRZLQJYHKLFOH 7KHVH ZHLJKWV FDQ EH IRXQG RQ WKHZHLJKWSODWHORFDWHGRXWVLGH\RXUYHKLFOHQH[WWRWKHH[WHULRUGRRUDQGRQWKH$SSURYDO/DEHOLQVLGHWKHJDVORFNHU6DIHW\7KLV KDQGERRN FRQWDLQV WKH LQIRUPDWLRQ WKDW\RX ZLOO UHTXLUH IRU \RXU VDIH HQMR\PHQW RI\RXU FDUDYDQ $OO WKH LQIRUPDWLRQ FRQWDLQHGKHUHLQ LV LPSRUWDQW +RZHYHU WR GUDZ \RXUDWWHQWLRQ WR VSHFLoF LWHPV ZH KDYH SUHo[HGWKHPZLWKWKHIROORZLQJV\PEROVWRLQGLFDWHDZDUQLQJFDXWLRQRUQRWHUHVSHFWLYHO\! WARNINGS DUHLWHPVWKDWLILJQRUHGFDQFDXVHWKHXVHU V SK\VLFDOKDUPCautions DUH LWHPV WKDW LI LJQRUHGFDQUHVXOWLQGDPDJHWRWKHFDUDYDQi 1RWHV DUH UHPLQGHUV WKDW VKRXOG EHKHHGHG! ,03257$176$)(7<127(67R HQVXUH DOO WKH RFFXSDQWV RI \RXUFDUDYDQ HQMR\ D VDIH DQG UHOD[HGHQYLURQPHQWSOHDVHREVHUYHWKHIROORZLQJv(QVXUHDOOWKHRFFXSDQWVDUHDZDUHRIWKHLUHVFDSHURXWHVLQWKHHYHQWRIDoUHv$OZD\VNHHSHVFDSHURXWHVDQGH[LWSRLQWVFOHDUIURPREVWUXFWLRQDQGGHEULVv3URYLGH RQH GU\ SRZGHU oUH H[WLQJXLVKHURI DQ DSSURYHG W\SH RU FRPSO\LQJ ZLWK,62%VLRIDWOHDVWNJ OE FDSDFLW\ E\ WKH PDLQ GRRU DQG D oUHEODQNHW QH[W WR WKH FRRNHU )DPLOLDULVH\RXUVHOIZLWK\RXUoUHH[WLQJXLVKHUDQGWKH